RELOADING THE CARD

Upon exhaustion of the Funds loaded on the Card, Cardholder can reload Funds onto the Card from any Agent or I&M Bank branch, subject to the compliance of all applicable laws, rules and regulations in force from time to time. In event the Cardholder wishes to reload the Card, I&M Bank reserves the right to:

(1) limit the amount of Funds that can be reloaded onto the Card;

(2) limit the number of times the funds can be reloaded onto the Funds;

(3) Decline a reload transaction, at its sole discretion. For the purpose of reloading the Card, Cardholder shall be required to complete the prescribed form and provide certain information pertaining to the Cardholder/the Card, as may be required by I&M Bank.

The Funds shall always be reloaded in the BASE Currency of the Card as defined by the Bank from time to time. The amount of reload shall be in strict accordance to the limits specified by the Bank and any applicable laws, rules and regulations in force.

Card Loading and reloading funds shall not be given to any other persons except the approved Bank Tellers and/or Bank’s appointed agents as advised from time to time.

I&M Bank shall not be liable for any loss direct or indirect that may be suffered by the Cardholder as a result of funds given to any person other than the approved Bank Tellers and/or Bank’s appointed agents as advised from time to time.